Car Insurance in Rhode Island Information

Progressive

$89
/mo

Travelers

$178
/mo

Liberty Mutual

$256
/mo

American Family

$306
/mo

Cheapest Car Insurance in Rhode Island

Here are the cheapest carriers in Rhode Island for the following user profile:
a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible
for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Rhode Island.

$89
/mo

$178
/mo

$256
/mo

$306
/mo

Best Car Insurance in Rhode Island

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an
insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings,
Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews.
The following are the top rated carriers that offer car insurance in Rhode Island. For the complete list, see Insurify's
best car insurance companies.

$306 /mo

$256 /mo

$178 /mo

$89 /mo

Car Insurance in Rhode Island

Auto insurance costs will vary between locations and insurance carriers.
Insurify analyzed the latest data for the five most populous cities in Rhode Island to
find you the
cheapest quotes in each of these metropolitan areas.

Providence is Rhode Island's most populous city. As the state capital, it's also at the center of recent legal mandates for "hands-free" driving across the state.

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across
geographical locations,
age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other
insightful reports.
We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational
attainment, and other areas.

Greenest Cities in Rhode Island

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country
of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact
and vehicular carbon footprint.
This city has been named the "greenest" in the state by Insurify.

The state of Rhode Island offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Pawtucket

% of Hybrids/Electrics
2%

Most Patriotic City

Pawtucket

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state
with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Pawtucket won Insurify's Most Patriotic Cities Award for the state of Rhode Island. It was once a major node of the textile industry during the Industrial Revolution.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in
poor condition, structurally deficient bridges, and fatality rate per 100 million
vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Rhode Island is
vital for all car insurance shoppers hitting the road in The Ocean State.

Road Rankings

41%
Rural Roads in Poor Condition

#1
Ranked

22%
Structurally Deficient
Rural Bridges

#1
Ranked

1%
Fatality Rate per 100M VMTon Rural Roads

#40
Ranked

FAQs - Rhode Island Car Insurance

How does where I live affect my car insurance rates?

Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.

How can I get the cheapest car insurance in my area?

If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.